The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$19,792
−HK$1,241/mo
▼ 0.25% · 3.875%
HK$20,408
−HK$625/mo
Today · 4.125%
HK$21,033
baseline
▲ 0.50% · 4.625%
HK$22,313
+HK$1,280/mo
Deposit HK$4.34M · loan HK$4.34M · min. income ≈ HK$42,066/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$260,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,019
−HK$1,189/mo
▼ 0.25% · 3.875%
HK$22,609
−HK$599/mo
Today · 4.125%
HK$23,208
baseline
▲ 0.50% · 4.625%
HK$24,432
+HK$1,224/mo
Deposit HK$4.34M · loan HK$4.34M · min. income ≈ HK$46,416/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$260,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,751
−HK$1,489/mo
▼ 0.25% · 3.875%
HK$24,490
−HK$750/mo
Today · 4.125%
HK$25,240
baseline
▲ 0.50% · 4.625%
HK$26,776
+HK$1,536/mo
Deposit HK$3.47M · loan HK$5.21M · min. income ≈ HK$50,480/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$260,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,422
−HK$1,428/mo
▼ 0.25% · 3.875%
HK$27,131
−HK$719/mo
Today · 4.125%
HK$27,850
baseline
▲ 0.50% · 4.625%
HK$29,318
+HK$1,468/mo
Deposit HK$3.47M · loan HK$5.21M · min. income ≈ HK$55,700/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$260,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,709
−HK$1,738/mo
▼ 0.25% · 3.875%
HK$28,571
−HK$876/mo
Today · 4.125%
HK$29,447
baseline
▲ 0.50% · 4.625%
HK$31,239
+HK$1,792/mo
Deposit HK$2.60M · loan HK$6.08M · min. income ≈ HK$58,894/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$260,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,826
−HK$1,666/mo
▼ 0.25% · 3.875%
HK$31,653
−HK$839/mo
Today · 4.125%
HK$32,492
baseline
▲ 0.50% · 4.625%
HK$34,204
+HK$1,712/mo
Deposit HK$2.60M · loan HK$6.08M · min. income ≈ HK$64,984/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$260,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,626
−HK$2,234/mo
▼ 0.25% · 3.875%
HK$36,734
−HK$1,126/mo
Today · 4.125%
HK$37,860
baseline
▲ 0.50% · 4.625%
HK$40,164
+HK$2,304/mo
Deposit HK$868K · loan HK$7.81M · min. income ≈ HK$75,720/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$260,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,634
−HK$2,141/mo
▼ 0.25% · 3.875%
HK$40,697
−HK$1,078/mo
Today · 4.125%
HK$41,775
baseline
▲ 0.50% · 4.625%
HK$43,977
+HK$2,202/mo
Deposit HK$868K · loan HK$7.81M · min. income ≈ HK$83,550/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$260,396 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).